I haven’t tried Cozy because I like having my money on the first without paying a premium.

Tenants aren't paying a premium for it.2.

I already upgraded to the premium version.

Look for 20 - 30% higher premiums than typical LTR insurance. 

At latest annual renewal, my premium went up by over 30%.Incidentally, an insurance broker I was speaking with on Monday told me that he recently bought a house in Napa, and has it insured for $2MM.

@Amy Raye Rogers best bet is chase cards. ultimate rewards let you pool your points from different cards. you can convert your points to travel credit through their portal and if you have a premium card(annual fee), your points are worth 1.25 to 1.5 points in the travel portal. sometimes its cheaper to book this way than with points through airlines and you also earn airline points on it. you can also convert your points to airline miles. most of the time its cheaper to book international airlines like air france that flies on delta than to use delta miles. same with singapore flies on united. there are a few extra steps with booking these miles. 

Additionally, they are saying that the house will need reappraised, I must disclose what happened to my insurance (which could mean my premiums go up), and that I will need to sign a hold harmless agreement at closing.

Since this is my first fix and flip financing is at a premium (see terms below).

If not, you could be on the hook for huge deductibles that many Associations are changing to in order to reduce their Premium cost.

I got stories from my 70k GC and my partner paid him anyway even though I pointed out it was obvious he didn’t two coat the paint as in the specs even though we were paying a premium $8000 to prep and paint the whole house.